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All about Star Health Insurance and Plans
Star Health Insurance
Star Criticare Plus Policy
It provides a dual benefit plan, as policyholders can get health insur ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,753 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Criticare Plus Policy
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
Star Criticare Plus Policy is a dual benefit plan, offering coverage for both health insurance and critical illnesses. It provides a lump sum payment for long-term diseases such as cancer, chronic kidney disease, brain tumor, major organ transplant, Cerebrovascular Stroke causing Hemiplegia, Acute Myocardial Infarction, established irreversible coma, and many other critical diseases. A distinctive feature of this policy is that it covers non-allopathic treatments up to a certain limit.
Star Criticare Plus Policy offers sum insured options ranging from ₹1 Lakh to ₹10 Lakh, with an entry age of 18 to 65 years. This plan provides coverage for the policyholder along with any one family member.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹2 L, ₹10 L
Waiting period
90 days
Renewability
NA
Policy term
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Cover chronic kidney disease
- Major organ transplants covered
- Acute Myocardial Infarction covered
Cons
- Cosmetic and aesthetic treatments
- Change of gender treatments
- Vaccination
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Not covered
- OPD charges Not covered
- Covid-19 treatment Not covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Star Criticare Plus Policy Benefits
- Star Criticare Plus Policy offers multiple advantages that policyholders can avail after purchase:
Tax Benefits
- Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Organ Donor Benefit
- The policy covers hospitalization expenses (excluding the cost of the organ and organ donor) incurred during an organ transplant for the insured.
Discounts
- Star Criticare Plus Policy offers discount options such as 5% for up to 2 members and 10% for more than 2 members.
AYUSH Benefit
- Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the sum insured or a maximum of ₹25,000/- per policy period for the treatment of illness or injury.
Additional Benefits
- The policy provides additional coverage for ambulances. Emergency ambulance charges for transporting the insured patient to the hospital are covered up to ₹750/- per hospitalization, with an overall limit of ₹1,500/- per policy period.
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Medical expenses related to the treatment of any illness within 30 days from the first day of policy commencement.
- Expenses on the treatment of Benign Prostate Hypertrophy, Hernia, Hydrocele and related disorders, and treatment for gallstones and renal stones are not covered during the first year of the policy.
- Expenses on the treatment of Cataracts, Hysterectomy for Menorrhagia or Fibromyoma, treatment for knee or joint replacement, prolapse of intervertebral discs, and many other diseases, are excluded after two years from the date of policy commencement.
- Expenses related to X-ray or laboratory examinations not related to primary hospitalization.
- Cost of medical aids such as wheelchairs, crutches, contact lenses, and hearing aids.
- Circumcision, vaccination, inoculation, and dental treatment.
- Cosmetic and aesthetic treatments.
- Change of gender treatments, sterility and infertility treatments.
- Expenses related to obesity treatments and weight management treatments or any unproven treatment.
- Sexually transmitted diseases, HIV, venereal diseases.
- Refractive Error, spectacles, correction of eyesight.
- Expenses related to any hazardous or adventure sports.
- Expenses on the treatment related to pregnancy, childbirth, miscarriage, abortion, etc.
- Treatment for Alcoholism, drug or substance abuse or any addictive condition.
- Injuries caused while under the influence of alcohol or drugs.
- Intentional self-injuries.
- Hospital registration charges, record charges, incidental and miscellaneous expenses, and telephone charges.
- Hospitalization due to war, nuclear weapons, riots, and strikes.
- Pre-existing diseases after 48 months
- Listed Illness 3 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 18 to 65 years
- Sum Insured: ₹2 Lakh: ₹10 Lakh
- Initial Waiting Period: 90 Days
Other features & benefits
- Affordable SI options
- Co-payment
- Lumpsum payout
Star Health Criticare Plus : FAQs
The 5 most-asked questions about Star Criticare Plus Policy, answered.
The age for buying Star Criticare Plus Policy is minimum-18 years and maximum-65 years.
The sum assured by the Star Criticare Plus Policy is a minimum- of 2 lakhs and a maximum of -10 lakhs.
No, Star Criticare Plus Policy does not provide OPD benefits.
Star Criticare Plus Policy offers discount options to its policyholders such as 5% for up to 2 members and 10% for more than 2 members.
Yes, Star Criticare Plus Policy provides AYUSH benefits, admissible up to 25% of the sum insured, subject to a maximum of Rs. 25,000/- per policy period.
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